Member Agreement

This "Agreement" is entered into as of the date signed by you the member and accepted by You desire to submit charges for professional services on a client's credit card or bank debit card (also known as ATM card, ATM debit card, money card, cash-and-check card)  that is validly issued by members of VISA U.S.A., Inc. ("VISA"), MasterCard International, Incorporated ("MasterCard") and Discover Card, here after referred to as "Cards".  desires to provide card processing services to you. Therefore, you, the member and agree as follows:

Personal Guarantee

As a primary inducement to to enter into this Agreement, the  Member jointly and severally, unconditionally and irrevocably, guarantee the continuing full and faithful performance and payment by you of each of the its duties and obligations to pursuant to this Agreement, as it now exists or amended from time to time, with or without notice. You further agree to pay to all expenses (including attorney’s fees and court costs) paid or incurred by in collecting such obligations, and in enforcing this Guaranty.

This guarantee will not be discharged by bankruptcy or affected by the death of the Guarantor member, will bind all heirs, administrators, representatives and assigns. You understand that the inducement to to enter into this Agreement is consideration for the guaranty, and that this guaranty remains in full force and effect even if the guarantor(s) receive no additional benefit from the guaranty. 

You assume all legal, ethical and financial obligations for the charges that you submit to If the charges are disputed you are responsible for providing evidence of a signed authorization documenting the validity of the charge. You are also primarily responsible for attempting to resolve the dispute with the cardholder. You are financially responsible to reimburse for all disputed claims until and unless they are resolved as originally submitted.  

Maintenance and Authorizations for Checking Account

A. Maintained Account. You will maintain a checking account to facilitate payment for Card transactions. You irrevocably authorize, or their vendors or agents, to initiate debit/credit entries to your checking account, or any other account maintained by you at any institution that is a receiving member of ACH. This allows for funds you are owed to be deposited into your checking account. Monies owed are based on charges you submit minus agreed upon processing fees and expenses. This also allows your checking account to be debited for charge backs, fees and any other penalties or payments you owe under this "Agreement."  You agree to maintain sufficient funds to cover potential charge backs that could occur.

B. Credits and Debits. will deposit funds evidenced by "Transaction Drafts" into your checking account (less recoupment of any credit(s), adjustments, fines, charge backs or fees according to the schedule of fees incorporated into this Agreement by reference) complying with the terms of this "Agreement" and the "User's Guide."  Funds will normally be deposited via ACH within 10 business days after the Transaction Draft is submitted to  

C. Length of Authorization. This authorization will remain in effect after termination of this "Agreement," and until has received written notice terminating this authorization and all your obligations to have been paid in full. If you change your checking account, you will notify, and this authorization will apply to the new account. 

D. Indemnification. You will indemnify and hold harmless for any action taken against your checking account pursuant to this "Agreement." You will also indemnify and hold harmless the institution at which you maintain your checking account for acting in accordance with any instruction from regarding your account. All indemnification sections will survive termination of this Agreement. 

Fees and Other Amounts Owed 

A. Fees Owed. You will pay fees for services or situations in accordance with the attached Schedule of Fees which is incorporated into this Agreement by reference. Such fees will be calculated and debited from your bank account, or will be netted out from the funds due you under this Agreement. Once the online Member Registration or Association Registration form has been submitted, the new account will be set up and the initial annual membership fee will be debited to the bank account listed in the registration form. This charge is nonrefundable. Subsequent annual membership fees will be either charged to the credit card of the member or debited to the bank account authorized by the ACH agreement.   

B. Other Amounts Owed. You will immediately pay any amount incurred by attributable to this Agreement, including but not limited to charge backs, credits, fines imposed by Visa or MasterCard, non-sufficient fund fees, and ACH debits that overdraw your bank Account, for any amount you owe under this Agreement or under any contract now existing or later entered into between you and In the event such ACH does not fully reimburse for the amount owed, ProfessionalCharges will charge your credit card for such amount. If your credit card does not accept such charge, you will immediately pay such amount. 

User's Guide and Security Procedures 

You will have a user name and a password to access the System. We will also provide you with operating procedures in a User's Guide which is incorporated into this Agreement by reference. 

You agree to: 

(a) comply with the User Guide that is posted on the web site and may be updated or changed from time to time; 

(b) take reasonable steps to safeguard the confidentiality and security of your account number and password, and any other proprietary property or information we provide to you in connection with the Services; 

(c) limit access to your account number and password to persons who have a need to know such information; 

(d) closely and regularly monitor the activities of employees who access the Services; and 

(e) notify us immediately if you have any reason to believe the security or confidentiality required by the provision has been or may be breached. Our security procedures are not designed for the detection of errors (e.g., duplicate charges, inaccurate charges, etc.). We will not be obligated to detect errors by you or others, even if we take certain actions from time to time to do so.

Electronic Mail / Internet 

  We will have a reasonable time to act upon any e-mail request or notice. You acknowledge that, even though e-mail may be encrypted, we cannot ensure that it will not be intercepted or affected by the actions or omissions of others, such as third party networks or persons with access to the Internet.  

You agree that your use of the internet will be entirely at your own risk, and that, our banking affiliates, internet service providers, and web host will not be liable for any errors, defects in, or the untimeliness or lack of authenticity of, any information provided over the Internet.


You will be liable for, hold harmless, and will indemnify, its employees, officers, directors and agents against all claims by third parties arising out of this Agreement and for all attorneys' fees and other costs and expenses paid or incurred by in the enforcement of the Agreement, including but not limited to those resulting from any transaction processed under this Agreement or any breach by you of this Agreement and those related to any bankruptcy proceeding. 

Limitation of Liability 

Except as otherwise stated in this Agreement, we will be liable to you only for damages arising directly from our intentional misconduct or gross negligence in the performance of the Services. We will not be responsible for any loss, delay, cost or liability which arises, directly or indirectly, in whole or in part, from: 

(a) your actions or omissions, or those of third parties which are not within our immediate and reasonable control; 

(b) your negligence or breach of any agreement with us; 

(c) any ambiguity, inaccuracy or omission in any instruction or information provided to us; 

(d) any error, failure or delay in the transmission or delivery of data, records or items due to a breakdown in any computer or communications facility; 

(e) accidents, strikes, labor disputes, civil unrest, fire, flood, water damage (e.g., from fire suppression systems), or acts of God; 

(f) causes beyond our reasonable control; 

(g) the application of any government or funds-transfer system rule, guideline, policy or regulation; 

We will not be responsible for special, indirect, or consequential damages which you incur as a result of our actions or omissions. Our liability and your remedy for actual costs and losses resulting from our actions and/or omissions, will not exceed the  cost of annual membership plus (one half of a percent) 1/2% of all transactions not resulting in charge backs or credits.

Any claim, action or proceeding by you to enforce the terms of this agreement or to recover for any Service-related loss must be commenced within one year from the date that the event giving rise to the claim, action or proceeding first occurs. You agree to cooperate with us in any loss recovery efforts we undertake to reduce any loss or liability that arises in connection with your Services.

You acknowledge that our attached Schedule of Fees have been established in contemplation of: 

(a) these limitations on our liability; 

(b) your agreement to review statements, confirmations, and notices promptly and to notify us immediately of any discrepancies or problems; and 

(c) your agreement to assist us in any loss recovery effort. 

Information Processing and Reporting offers services that require us to receive, process, and report information involving your account and transactions.  We will not be responsible for determining the accuracy, timeliness or completeness of any information that you or others provide to us. We will not have a duty to interpret the content of any data transmitted to us, except to the limited extent set forth in this Agreement. Unless otherwise agreed in writing, we will not be required (by means of any security procedure or otherwise) to detect errors in the transmission or content of any information we receive from you or third parties. 

You acknowledge that it is not possible for the Services to be totally free from operator, programming or equipment error, and that errors in processing and compiling data may occasionally occur (e.g., due to the failure of others to provide accurate information, telecommunication failures, or a breakdown in an electronic data interchange). As such, you agree to review and verify all results and to maintain adequate controls for insuring both the accuracy of data transmissions and the detection of errors. Unless otherwise required by law, our sole responsibility for any reporting errors caused by us will be to reprocess the information for the period in question and to provide corrected reports at our own expense. You agree to maintain adequate backup files of the data you submit for a reasonable period of time in order to facilitate any needed reconstruction of your transactions (e.g., in the event of a telecommunication failure). If we are unable to provide a Service for any reason, we will promptly inform you of the problem and will take reasonable steps to resume processing. 

Reliance On Third Parties 

Our ability to provide certain Services (e.g., in connection with electronic data interchange) is dependent upon our ability to obtain or provide access to third party networks. In the event any third party network is unavailable or we determine, in our discretion, that we cannot continue providing any third party network access, we may discontinue the related Service or may provide the Service through an alternate third party network. In such situations, we will have no liability for the unavailability of access.  We will not be responsible for any services you receive from third party vendors. 


At your or our request, any claim or controversy involving more than $25,000 that arises out of or relates to this Agreement or the Services will be submitted to arbitration before the American Arbitration Association, strictly in accordance with the terms of this Agreement. The arbitration will be heard before an arbitrator mutually agreeable to you and us.  If we cannot agree upon the choice of an arbitrator within 10 days, then the arbitration will be heard by three arbitrators; one chosen by us, one chosen by you, and the third chosen by the first two arbitrators. The arbitrator(s) will convene at a place in California mutually acceptable to both parties and, if the place cannot be agreed upon, the arbitration will be in California at a place designated bye the arbitrator(s). You agree that: (a) pursuant to California Code of Civil Procedure section 1283.1, each party to the arbitration will have the discovery rights described in Code of Civil Procedure section 1283.05, as amended from time to time; (b) each of us will be bound by the decision of the arbitrator(s); (c) judgment upon an arbitration award may be entered by any court of competent jurisdiction; and (d) you will submit to the jurisdiction of California.  BY ENTERING INTO THIS AGREEMENT, YOU AND WE WAIVE ANY RIGHT TO TRIAL BY JUDGE OR JURY for disputes covered by this provision. This provision shall not limit or constrain our right of setoff, to exercise any security interest or lien we may hold in property, to comply with legal process involving your property, to interplead funds in the event of a dispute, or to obtain provisional or ancillary remedies such as injunctive relief. Neither party shall institute an arbitration proceeding until it has given the other party at least 30 days prior written notice of its intention to do so.

Performance will perform all services in accordance with this Agreement. makes no other warranty, express or implied, regarding the services, and nothing contained in the Agreement will constitute such a warranty. disclaims all implied warranties. will not be liable to you for any failure or delay in its performance of this Agreement if such failure or delay arises out of causes  beyond the control and without the fault or negligence of 

Representations and Warranties 

You represent and warrant to at the time of execution and during this term of this Agreement the following:

A. You are a licensed professional in the State in which you are providing services, or are a formally organized professional association representing, or for the benefit of licensed, registered or certified professionals.  If there is no licensure in your State regulating your profession, or if your State allows professional practice without a license, then you are appropriately qualified to provide the services you offer. All information contained on the Application or any other document submitted to is true and complete.  

B. You have the power to execute and perform this Agreement and you represent and warrant that you will be bound by  all provisions of this Agreement, and that you are  authorized to execute any documents and to take any action which may be required by now or in the future.  Further, you, by your signature(s) on the Authorization and Agreement Form or upon your first submission of a Transaction Draft, acknowledge that you have received and understand the terms of this agreement and the User’s Guide. Further, you represent and warrant that this Agreement and User’s Guide will not violate any law, or conflict with any other agreement to which you are subject. 

C. There is no action, suit or proceeding pending or to your knowledge threatened which if decided adversely would impair your ability to carry on your business substantially as now conducted or which would adversely affect your financial condition or operations. You have never been placed on the MasterCard MATCH system or the Combined Terminated Merchant File, unless you have disclosed this to

D. All charges submitted and resulting transactions are bona fide and are only for legitimate professional services, supplementary materials, or related products which are in compliance with the legal and ethical guidelines of the member’s profession. No transaction involves the use of a Card for any purpose other than the payment for professional services rendered by you and governed by the licensing laws of your state or ethical standards of your profession, or for supplementary materials or related products.

Term and Termination 

A. Term. The Agreement will remain in effect for a period of 1 year from the effective date and will renew for successive 1 year terms unless terminated as set forth below. 

B. Termination. You may terminate this Agreement at any time. may terminate this agreement if you violate any of the terms of this agreement, lose your license to practice, or have repeated charge backs. You  terminate your membership by entering the site with your user name and password, by clicking on the cancel membership link at the left above the Submit Charges box, giving a brief reason for your termination, and clicking on the "Cancel Membership" button. Termination shall be effective on the date you cancel your membership. If you decide you do not want your membership renewed, cancel your membership before your renewal date, or you will be automatically renewed and charged for the membership.

C. Obligations upon Termination. All your obligations regarding submitted charges will survive termination. You must maintain in your bank account enough funds to cover all charge backs, refunds and fees incurred by you for at least 12 months following your last submitted transaction, until all charge back rights have expired. If the amount in your bank account is not adequate, you will pay the amount you owe upon demand, together with all costs and expenses incurred to collect that amount, including reasonable attorneys' fees. 

Compliance With Laws And Rules 

You agree to comply with all rules and operating regulations issued from time to time by MasterCard and Visa and any policies and procedures provided by, including those set forth in the User’s Guide. The User’s Guide is incorporated into this Agreement by reference as if it were fully set forth in this Agreement. You further agree to comply with all applicable state, federal and local laws, rules and regulations ("Laws"), as amended from time to time affecting acceptance of the cards, processing of card transactions, and the transactions contemplated by this Agreement.  You will assist in complying in a complete and timely manner with all Laws and Rules now or hereafter applicable to any Card transaction or this Agreement. You will execute and deliver to all such instruments they may from time to time reasonably deem necessary. 

HIPPAA Privacy Rules Compliance

ProfessionalCharges will handle all information received from our members in strict accordance to the Privacy Policy which is incorporated into this Agreement by reference.   

General Provisions 

A. Entire Agreement. This Agreement, including the Schedule of Fees, the completed Application, the User’s Guide, the Authorization and Agreement Form and any amendment or supplement to this Agreement, all of which are incorporated into this Agreement, constitutes the entire agreement between the parties, and all prior or other agreements or representations, written or oral, are superseded by this Agreement.

B. Governing Law. This Agreement will be governed by the laws of the State of California. The parties agree that all performances and transactions under this Agreement will be deemed to have occurred in Los Angeles County and that your entry into and performance of this Agreement will be deemed to be the transaction of business within the State of California. 

C. Construction. Any alteration or strikeover in the text of this pre-printed Agreement will have no binding effect, and will not be deemed to amend this Agreement. The headings used in this Agreement are inserted for convenience only and will not affect the interpretation of any provision.  The language used will be deemed to be the language chosen by the parties to express their mutual intent, and no rule of strict construction will be applied against any party. 

D. Assignability. This Agreement may be assigned by, but may not be assigned by you directly or by operation of law, without the prior written consent of If you nevertheless assign this Agreement without's consent, the Agreement will be binding on the assignee. If you sell your practice, and the new professional incurs charge backs, the original professional and all original guarantors will be held personally liable for all charge backs and any other liabilities of the new professional.  

E. Notices. Unless otherwise agreed, notices required by this Agreement must be in writing. Notices to you may be e-mailed, mailed, or delivered to you at the address or addresses provided by you in your application or updated application. Notices to us must be sent to:, 1530 E. Chevy Chase Dr. Suite 209, Glendale, California 91206 or e-mailed to: the e-mail address listed at the bottom of any page of the website.  Any written notice under this Agreement will be deemed given upon the earlier of: (i) actual receipt or (ii) five days after being deposited in the United States mail or (iii) 24 hours after being sent by e-mail with return request. 

F. Bankruptcy. You will immediately notify of any bankruptcy, receivership, insolvency or similar action or proceeding initiated by or against you. You will include on the list and matrix of creditors as filed with the Bankruptcy Court, whether or not a claim may exist at the time of filing, and failure to do so will be cause for immediate termination or any other action available to under applicable Rules or Law. You acknowledge that this Agreement constitutes an executory contract to make a loan, or extend other debt financing or financial accommodations to or for the benefit of you, and, as such, cannot be assumed or assigned in the event of your bankruptcy.  

G. Attorney's Fees. You will be liable for and will indemnify and reimburse for all attorneys' fees and other costs and expenses paid or incurred by in the enforcement of this Agreement, or in collecting any amounts due from you to or resulting from any breach by you of this Agreement. 

H. Amendments. may propose amendments or additions to this Agreement. will inform you of a proposed change in a periodic statement or other written notice. You will be deemed to have agreed to the change if you continue to present transactions to after 30 days following the mailing of the notice. Notwithstanding the previous sentence, changes to fees authorized by this Agreement will be effective upon notice to you, unless a later effective date is provided. Further, is entitled to pass through to you any fee increases imposed by Visa, MasterCard, or telecommunication vendors. 

I. Severability and Waiver. If any provision of this Agreement is illegal, the invalidity of that provision will not affect any of the remaining provisions and this Agreement will be construed as if the illegal provision is not contained in the Agreement. Neither the failure nor delay by or Member to exercise, or partial exercise of, any right under this Agreement will operate as a waiver or estoppel of such right, nor shall it amend this Agreement. All waivers must be signed by

J. Independent Contractors. and the member will be deemed independent contractors and neither will be considered agent, joint venturer or partner of the other except as provided for in the ACH transactions.  

---------------- End of Members Agreement ----------------------------- 

Schedule of Standard Fees 

VISA, MasterCard and Discover Processing Fees:  
  Discount Rate Transaction Fee
Domestic Credit & Debit Cards 4.25% $1.00
Foreign Credit & Debit Cards 5.25% $1.50

Charge backs:  $30.00 per charge back. 

ACH Returns:   $10.00 per item. 

Annual Membership Fee $150.00.



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